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The Best Mortgage Calculators On the Web! Please try our Java loan and mortgage calculators. They take a minute to load, but they are worth it! Each calculator has dynamic graphs and charts that change - right before your eyes - as you enter different information. Try each calculator with different interest rates, loan amounts, and payment schedules. The mortgage repayment schedule and other reports are fully customizable - just for your home, your interest rate, your loan amount, your taxes, and more. Would you like a print out, for your records and future reference? Each calculator includes a View Report button. Click it, hit print, and you have a report, customized just for you... Will Buying Points Save You Money?
Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Click on the "View Report" button to review your information.
Definitions
- Term
- Number of years for this mortgage. Most common terms
are 15 years and 30 years.
- Mortgage amount
- Total balance for your mortgage.
- Interest rate
- Annual interest rate for this mortgage without purchasing any discount points.
- Years in home
- The number of years you expect to live in this home or the number of years before you refinance your mortgage.
- Principal and interest
- Monthly principal and interest (PI) for this mortgage.
- Points rate
- Annual interest rate for this mortgage with discount points.
- Points
- The number of discount points you need to receive the lower rate. Each point costs 1% of your mortgage amount.
The mortgage calculators are provided by KJE Computer Solutions, LLC and made available to NUMBER1EXPERT as self-help tools for your independent use and are not intended to provide investment advice. We can't guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Accepting An Offer >A Tough Sale
Here is a situation that many buyers have experienced. After searching for weeks, you found the perfect home and you made a very low offer. The sellers responded with a counter-offer which was several thousand dollars lower than their asking price. You came back with a slightly higher bid, and they came down some more. After many days of back and forth, you finally reached a meeting of the minds, and you are very pleased with the results.
If you have driven a hard bargain in purchasing a house, be sensitive to the seller's feelings as the transaction proceeds. They may be suffering from the impact of a rough negotiation. Try to minimize any additional requests you might make of the sellers. As you move toward your closing date, keep in mind that the sellers may not share your elation. If you are considerate and avoid making excessive demands, you can help everyone walk away from the transaction feeling satisfied with the outcome.
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| Q |
What is arguably the world's strangest (and most dysfunctional) kitchen?
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| A |
In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California. |
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Peter Tobia and Carol Taylor
Thorpe - Sotheby's International Real Estate
675 Beachland Boulevard
Vero Beach, FL 32963
732-735-5114: 908-331-0669
petertobia@NUMBER1EXPERT.com
We specialize in Oceanfront, Indian Riverfront,
Vero Beach Barrier Island, local waterfront
communities and finer neighborhoods along Vero
Beach and the Treasure Coast.
Proudly serving Vero Beach, John's Island,
Orchid Island Golf and Beach Club, Indian River
Shores, Windsor, Sea Oaks, The Moorings, The Indian River Club, Grand Harbor, Wabasso,
Sebastian and the Melbourne
Beaches.
Carol is a licensed REALTOR, has a Graduate
Realtor Institute designation and over 29 years
of Real Estate sales experience, as well as
dozens of sales awards for outstanding
achievements.
Peter is a licensed REALTOR and a licensed
Professional Engineer, with extensive
residential building and development experience
and knowledge.
Find out why Money Magazine has named the Vero
Beach, Indian River County region as "One of
the best places to live in the nation" several
years in a row. Come join us for "Another Day
in Paradise" at Vero Beach!
We are the Vero Beach, Melbourne and Treasure
Coast NUMBER 1 Real Estate EXPERTS.
Call or e-mail us today!   
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